Request and response codes: Instant payments

payment status the payment status is reflected in the status field of instant payment responses below is a breakdown of the possible statuses for instant payments status description created initial status for both inbound and outbound payments pending outbound – payment is under validation before submission to the rtp network inbound – payment has been received and is awaiting authorization processing outbound – payment has been submitted to the instant payments network inbound – payment is authorized and awaiting confirmation of successful processing by the network completed outbound – payment accepted and received by the receiving institution inbound – payment has been received and accepted for credit transfers, this also indicates the payment has successfully posted rejected outbound – payment was rejected by the receiving institution or rtp network inbound – payment was manually or automatically rejected rejection reasons are found in the result code field canceled outbound payment canceled by an internal user while in hold or researchrequired status payments can only be canceled in these statuses hold payment is under review by the operations team timedout payment was not acknowledged within the sla window with the clearing house failed payment failed due to technical issues finalizing payment is in the process of posting to an account researchrequired no response was received for an outbound payment manual review is required to determine if the payment should be canceled or completed indicates a final status for a payment payment types the paymenttype field in instant payments responses specifies the nature of the transaction this value provides details about the type of payment or request being processed, indicating whether it involves monetary movement or serves as a non monetary notification or request type description credittransfer payment sent by a debtor fi to a creditor fi returnrequest the originator of the original payment is requesting the funds be returned this is a non monetary transaction returnresponse response to a return of funds request this is a non monetary transaction the actual money movement to return funds would be done in another payment as a credit transfer systemtimeout notification to the creditor fi that a credit transfer has timed out this is a non monetary transaction remittanceadvice allows the debtor to send stand alone remittance information to the creditor or the creditor to send detailed invoice information to the debtor (b2b or b2c) this is a non monetary transaction requestforinformation used to request additional details related to a credit transfer or a request for payment that has been received this is a non monetary transaction paymentack acknowledges that a credit transfer has been received and applied a creditor fi must use a payment acknowledgement to confirm the funds associated with a credit transfer (accepted without posting) have posted to the creditor’s account this is a non monetary transaction requestforinformationresponse provides requested additional information as an amendment to the original request for payment or credit transfer this is a non monetary transaction unknown payment type was not recognized this payment type is not currently supported network platform network platform description tch the pacs 008 credit transfer is routed through the rtp® network via the clearing house (tch) fednow the pacs 008 credit transfer is routed through the fednow® network crnow the pacs 008 credit transfer is routed internally through cross river’s crnow network for partner payments no value the credit transfer is routed according to network interoperability docid 7heoa4 binjvx0ksdlkd3 reject/reason codes the resultcode in instant payments responses explains why a payment didn’t complete if successful, the resultcode will show ok code description 650 cannot parse the message 690 signature mismatch or verification error ok ok blkd payment has been blocked ac02 debtor account is invalid ac03 creditor account is invalid ac04 account closed ac06 account is blocked ac07 creditor account closed ac10 debtor account currency is invalid or missing ac11 creditor account currency is invalid or missing ac13 debtor account type missing or invalid ac14 creditor account type missing or invalid ag01 transaction forbidden on this type of account ag03 transaction type not supported/authorized on this account agnt incorrect agent am02 transaction amount exceeds allowed maximum am04 insufficient funds to cover message amount am09 amount received is not as agreed or expected am11 transaction currency is invalid or missing am12 amount is invalid or missing am13 transaction amount exceeds clearing system limits am14 transaction amount exceeds limits set by bank and client be04 creditor's address missing or incorrect be06 end customer not known or no longer exists be07 debtor's address missing or incorrect be10 debtor country code is missing or invalid be11 creditor country code is missing or invalid be13 debtor’s residence country code missing or invalid be14 creditor’s residence country code missing or invalid be16 debtor identification code missing or invalid be17 creditor identification code missing or invalid ds24 waiting time expired due to incomplete order dt04 future date not supported dupl duplicate payment detected ds0h signer not authorized for this account ff02 syntax error in narrative information ff03 invalid payment type information ff08 end to end id missing or invalid md07 end customer is deceased narr narrative information provided for reason rc01 bank identifier code format is incorrect rc02 bank identifier is invalid or missing rc03 debtor fi identifier is invalid or missing rc04 creditor fi identifier is invalid or missing tm01 invalid cut off time tk01 invalid token tk02 sender token not found tk03 receiver token not found tk04 token expired tk05 token counterparty mismatch tk06 token value limit rule violation tk07 single use token already used tk08 token suspended insf insufficient funds for outbound message noat customer account does not support this message type 1100 reason provided in additional information 9909 central switch (rtp) system malfunction 9910 instructed agent signed off 9912 recipient connection unavailable 9934 instructing agent signed off 9946 instructing agent suspended 9947 instructed agent suspended 9948 central switch (rtp) service suspended return response reject codes the returnresponserejectcodes attribute specifies the reason for rejecting a return response this applies only to rtp via tch code description ac04 closed account number am04 insufficient funds ardt already returned cust customer decision legl legal decision noas no answer from customer noor no original transaction received return request statuses the returnrequeststatuses attribute indicates the status of a return request this applies only to rtp via tch code description ipay payment will be refunded rjcr cancellation request has been rejected pecr payment will be partially refunded return request codes the returnrequestcodes attribute defines the reason for initiating a return request this applies only to rtp via tch code description ac03 invalid creditor account number requested by the customer due to mistake or error am09 wrong amount amount of the credit transfer or request for payment is incorrect cust requested by customer cancellation requested by the debtor due to mistake or error dupl duplicate payment identical to another transaction frad fraudulent origin debtor claims the payment was unauthorized or fraudulently induced frtr final response repeat attempt due to prior non response tech technical problem cancellation requested due to technical issues upay undue payment payment was made through another channel (for request for payment expiry) wiam wrong amount with indemnity wict requested by customer with indemnity widp duplicate payment with indemnity wifd fraudulent origin with indemnity wift final response with indemnity with technical problem with indemnity fednow return request codes the fednowreturnrequestcodes attribute defines return request reasons for fednow transactions code description ac03 invalid creditor account number requested by the customer due to mistake or error am09 wrong amount amount of the credit transfer or request for payment is incorrect agnt requested by agent cust requested by customer cancellation requested by the debtor due to mistake or error cuta return request upon information request dupl duplicate payment frad fraudulent origin debtor claims the payment was unauthorized or fraudulently induced narr narrative svnr service not rendered tech technical problem cancellation requested due to technical issues upay undue payment payment was made through another channel (for request for payment expiry) return clearing channels the returnclearingchannels attribute defines the clearing channel used for processing returns code description mpns ach payment rtgs fedwire rtns chips payment acknowledgment types the paymentacktypes attribute defines the types of acknowledgments in response to a payment transaction code description ack acknowledgment from creditor (end user) to the sender of the credit transfer acwp acknowledgment from creditor fi that funds have been posted to the creditor account following an acwp transaction status request for payment response codes the requestforpaymentresponsecodes attribute defines the possible responses to a request for payment this applies only to rtp via tch code description ac06 account specified is blocked, prohibiting transactions ag01 transaction forbidden on this type of account ag03 transaction type not supported or authorized on this account am09 amount received is incorrect am14 transaction amount exceeds limits agreed between bank and client be04 missing or incorrect creditor address required for payment be07 missing or incorrect debtor address required for payment ch11 creditor identifier incorrect customer indicates creditor is unknown cust requested by customer customer declines payment ds04 order rejected the bank rejected the order due to content issues md07 end customer is deceased narr narrative reason provided in additional information 1100 other reasons not covered by specific codes sl12 debtor does not wish to receive rfps from this creditor request for payment cancellation codes the requestforpaymentcancellationcodes attribute defines the reasons for canceling a request for payment this applies only to rtp via tch code description ac03 invalid creditor account number am09 incorrect amount cust requested by customer cancellation requested dupl duplicate payment frad fraudulent payment unauthorized or fraudulently induced tech technical problem cancellation due to system issues upay undue payment payment was made through another channel ac14 invalid or missing creditor account type am06 amount too low be05 unrecognized initiating party focr following refund request ms02 no specified reason customer ms03 no specified reason agent narr narrative reason provided in additional information rr04 regulatory reason ruta return upon unable to apply fednow request for payment response codes the fednowrequestforpaymentresponsecodes attribute defines responses for a fednow request for payment code description ac02 invalid debtor account ac05 closed debtor account ac06 blocked account ag01 transaction forbidden ag03 transaction not supported or authorized on this account am04 insufficient funds am09 amount received is incorrect am14 transaction amount exceeds limits be01 inconsistent end customer be05 unknown initiating party cust requested by customer ds02 order canceled dt01 incorrect date dupl duplicate request for payment narr narrative reason provided in additional information transaction account context transactionaccountcontext is an internal cr code that provides extra details about a payment’s state within its current status to understand the overall status of a payment in relation to the instant payments network, refer to paymentstatus context description notsubmitted payment has not been been sent to the rtp network pending payment is in a pending state processing payment is processing complete payment has completed reversal transaction is being reversed memopost attempting to set a memo post timedout action has timed out canceled action has been canceled rejected payment has been rejected authonly authorizing a transaction notset not set transaction status network status of the payment ( rtptransactionstatus ) as determined by the receiving institution, this status applies to credit transfers and requests for payment status description network platform actc payment has been accepted tch, fednow, crnow rjct payment or payment related message has been rejected tch, fednow, crnow rcvd payment related message has been received by the receiving institution tch acwp payment instruction within the credit transfer is accepted but not yet posted to the creditor’s account tch, fednow accc payment has been posted to the creditor customer’s account fednow acsc accepted settlement is completed fednow blck a payment previously in acwp status is now blocked funds will not be posted to the creditor’s account or returned to the debtor’s account (fednow specific) fednow pdng payment in acwp status has not yet posted to the creditor’s account (fednow specific) fednow servicelevelcode sdva is the only accepted code for rtp via tch, indicating that payments must be executed with same day value to the creditor (processed in seconds for rtp via tch) localinstrumentproprietary for rtp via tch, this identifies the origination condition of the instruction, allowing the instructed agent to correctly process the transaction code description intermediary payment sent through a domestic payment service provider – either “ultimate debtor” or “ultimate creditor” must be present standard standard rtp payment categorypurpose identifies the debtor/sender as a business or consumer customer of the debtor fi rtp via tch category purpose codes code description business business initiated consumer consumer initiated fednow category purpose codes code description bizz business initiated cons consumer initiated govt government initiated